Health insurance coverage for international students
In Germany, health insurance is mandatory for all students. Enrolment is not possible without valid proof of insurance. It is therefore important to be properly informed about health insurance in Germany at an early stage in order to avoid having to pay for extra expenses.
Basic information on insurance in Germany
There are two types of health insurance coverage in Germany: statutory health insurance (also known as public health insurance or GKV) and private health insurance (PKV).
In the event of illness and/or accident, both types of health insurance coverage will cover some if not all the costs of pre- and post-operative examinations, rehabilitation and medication. However, the type and scope of the insurance coverage may vary considerably.
Please note: In case you are planning to enrol for online studies from abroad (Non-EU countries), the obligation to provide evidence of health insurance does not apply until you enter Germany. Please contact us at firstname.lastname@example.orgStatutory health insurance
With statutory health insurance, the contractual conditions, the monthly contributions and the scope of benefits are regulated by law. The costs of insurance with GKV service providers is mostly the same. The GKV offers a more comprehensive service package for most situations, and is therefore often superior to private health insurance in terms of price and service.
This option is strongly recommended for students who are eligible for statutory health insurance. Only if this is not an option (eg, because of age or income) should students consider private health insurance.
The terms and conditions of private health insurance vary from provider to provider. Low-priced insurance packages usually only cover the most basic and necessary services. In the event of serious illnesses or accidents, the costs can add up quickly, and are often not fully covered by private health insurance schemes.
Important note: Once you have selected private health insurance, it is not possible to switch back to statutory insurance during your studies! It is therefore strongly recommended to carefully consider your choice of insurance before starting your studies.
Exemption from statutory health insurance
In order to enrol at the university with private health insurance, you will need a certificate indicating that you are exempt or not subject to compulsory statutory health insurance („versicherungsfrei“, „von der Versicherungspflicht befreit“, oder „nicht versicherungspflichtig“) and that your health insurance is officially recognised and considered sufficient in coverage. A statutory health insurance provider will provide you with this certificate once your insurance policy has been reviewed. Proof of private health insurance alone is not sufficient for matriculation. For further information, please contact a statutory health insurance company of your choice directly (e.g. TK).
The following information is provided to help you select health insurance coverage, that is most suited to your needs: